Buy to Let

 Here at Post Office we understand that buying to let can be both a potential investment for the future and a source of income for the present. Therefore, whether you are looking to purchase your first Buy to Let property, add another one to your portfolio or remortgage an existing Buy to Let property why not see how the Post Office could help you

Post Office® Mortgages are provided by Bank of Ireland UK.

Why Buy to Let?

When Buying to Let you need to have clear goals about what you want to achieve from your investment: is it additional income or a nest egg?

People Buy to Let for various reasons such as having a monthly income, growing their capital or as their pension plan.

Once you have established your goals, finding the right mortgage, the right property and the right tenant could see you cover your property’s mortgage payments and enjoy a regular income whilst potentially seeing your capital grow.

Still unsure if Buy to Let is right for you? For more information please read our guide and lending criteria.

Buy to Let tips

  • Select the right location and the right property: choose a location and property that will appeal to your target tenant - students, family, professionals. Research the market using local estate agents, websites and newspapers.
  • Letting Agent or Self Management: decide whether you want to manage the property yourself or have a letting agent manage it for you. If you manage the property yourself you will need to find the tenants, draw up a legally binding contract and take care of any repairs or requests from the tenant. A letting agent will do all this on your behalf for a fee normally between 10 – 15% of the monthly rent.
  • Manage your finances: any income you make from a Buy to Let property becomes taxable income and needs to be declared. It may be useful to obtain professional advice to help you with your tax returns.
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Personal Finance Award

Best Fixed Rate Mortgage Provider 2013

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What Mortgage

Best lender Website 2013

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Your Mortgage

Best online Mortgage lender 2013, 2012, 2011, 2010, 2009

What Mortgage

Best fixed rate Mortgage Provider 2013, 2012

The Awards given relate to the product range, application process and servicing, which are provided in conjunction with Bank of Ireland UK.

Small print

Please note our online mortgage application is only compatible with Internet Explorer 6+, Google Chrome, Firefox and Safari web browsers.

Subject to status and lending criteria. Written illustrations available upon request. Borrowers must be aged 21 or over.

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 07022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Office Limited is registered in England and Wales. Registered No 2154540. Registered office is 148 Old Street, London EC1V 9HQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Handy info

For more details about our rates, check out the following document

Next Steps

Save time by completing our online form, it should take about 20 mins to complete.

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